DETROIT – GM has ended its used-car incentive program, which started Oct. 1 and was scheduled to end Jan. 5.

The program offered 3.9 percent financing for 60 months on used models of Chevrolet Impala and Silverado, Pontiac G6, and GMC Sierra vehicles, according to the Detroit News. The financing was offered through GMAC Financial Services. GM notified dealers Oct. 17 it was ending the program Nov. 3 — more than two months early. GM will replace the program Nov. 4.

The incentive program that was canceled also offered 4.9 percent financing for 60 months on used models of the Chevrolet TrailBlazer, Suburban, and Tahoe; Buick LaCrosse; GMC Envoy, Yukon, and Yukon XL.

GMAC has had difficulty raising new capital and recently announced it was ending automotive lending operations in seven European nations and scaling back on operations in others in Europe. Earlier, GMAC said it would no longer finance vehicles in the United States to customers with credit scores under 700 — a move that eliminates roughly 40 percent of customers.

GMAC is controlled by Cerberus Capital Management LP, which owns 51 percent, while General Motors Corp. owns 49 percent. GM sold a majority interest in GMAC in 2006 for $7.4 billion to raise cash and improve GMAC’s credit rating.